Diamond Trust Bank (NAI:DTK) E10: KES28.61 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NAI:DTK Diamond Trust Bank Ltd NAI:DTK
79 GF Score
Price KES190.00
GF Value KES89.25
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Diamond Trust Bank E10?

Diamond Trust Bank NAI:DTK -0.52% 79 E10 is KES28.61 as of Jun. 2026. GuruFocus rates NAI:DTK with a GF Score™ of 79/100 and a GF Value™ of KES89.25 (Significantly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Diamond Trust Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was KES11.468. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is KES28.61 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Diamond Trust Bank's average E10 Growth Rate was 6.50% per year. During the past 3 years, the average E10 Growth Rate was 3.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Diamond Trust Bank was 4.30% per year. The lowest was 3.50% per year. And the median was 3.90% per year.

As of today (2026-09-11), Diamond Trust Bank's current stock price is KES190.00. Diamond Trust Bank's E10 for the quarter that ended in Jun. 2026 was KES28.61. Diamond Trust Bank's Shiller PE Ratio of today is 6.64.

During the past 13 years, the highest Shiller PE Ratio of Diamond Trust Bank was 6.73. The lowest was 1.72. And the median was 2.10.


Diamond Trust Bank  (NAI:DTK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Diamond Trust Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=190.00/28.61
=6.64

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Diamond Trust Bank was 6.73. The lowest was 1.72. And the median was 2.10.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Diamond Trust Bank E10 Related Terms


Diamond Trust Bank E10 Historical Data

* Premium members only.

The historical data trend for Diamond Trust Bank's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Diamond Trust Bank E10 Chart

Diamond Trust Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.11 24.58 25.37 26.20 27.25

Diamond Trust Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.87 27.48 27.25 28.14 28.61

NAI:DTK vs USB: E10 Comparison

For the Banks - Regional subindustry, Diamond Trust Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Diamond Trust Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Diamond Trust Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Diamond Trust Bank's Shiller PE Ratio falls into.


NAI:DTK
79GF Score
Diamond Trust Bank Ltd NAI:DTK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Diamond Trust Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Diamond Trust Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=11.468/333.9520*333.9520
=11.468

Current CPI (Jun. 2026) = 333.9520.

Diamond Trust Bank Quarterly Data

per share eps CPI Adj_EPS
201609 5.770 241.428 7.981
201612 8.490 241.432 11.743
201703 5.920 243.801 8.109
201706 6.080 244.955 8.289
201709 5.420 246.819 7.333
201712 6.132 246.524 8.307
201803 6.010 249.554 8.043
201806 6.500 251.989 8.614
201809 6.250 252.439 8.268
201812 5.150 251.233 6.846
201903 6.550 254.202 8.605
201906 7.340 256.143 9.570
201909 6.210 256.759 8.077
201912 4.170 256.974 5.419
202003 6.830 258.115 8.837
202006 1.760 257.797 2.280
202009 5.810 260.280 7.455
202012 -2.790 260.474 -3.577
202103 6.970 264.877 8.788
202106 3.510 271.696 4.314
202109 6.800 274.310 8.278
202112 -3.300 278.802 -3.953
202203 7.790 287.504 9.049
202206 5.030 296.311 5.669
202209 7.750 296.808 8.720
202212 1.110 296.797 1.249
202303 8.650 301.836 9.570
202306 5.660 305.109 6.195
202309 7.150 307.789 7.758
202312 3.140 306.746 3.418
202403 9.390 312.332 10.040
202406 6.150 314.175 6.537
202409 7.730 315.301 8.187
202412 4.060 315.605 4.296
202503 10.210 319.799 10.662
202506 6.832 322.561 7.073
202509 9.676 324.800 9.949
202512 6.930 324.054 7.142
202603 11.390 330.213 11.519
202606 11.468 333.952 11.468

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of KES28.61 mean?
Diamond Trust Bank (NAI:DTK) has a E10 of KES28.61 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Diamond Trust Bank and its competitors.
Is Diamond Trust Bank's E10 too high?
Diamond Trust Bank's current E10 is KES28.61. Overall, Diamond Trust Bank has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Diamond Trust Bank's E10 compare to USB?
Diamond Trust Bank's E10 of KES28.61 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Diamond Trust Bank and its competitors. Diamond Trust Bank's current E10 is KES28.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Diamond Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Diamond Trust Bank (NAI:DTK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES89.25, compared to a current price of KES190.00 — trading 112.9% above its estimated fair value. The current E10 is KES28.61. Diamond Trust Bank's overall GF Score™ is 79/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Diamond Trust Bank (NAI:DTK), the current E10 is KES28.61 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Diamond Trust Bank (NAI:DTK) Overvalued in 2026?

Based on GuruFocus' analysis, Diamond Trust Bank stock appears to be overvalued. The current stock price of KES190.00 is trading 112.9% above its estimated GF Value™ of KES89.25. GuruFocus considers Diamond Trust Bank to be Significantly Overvalued.

Key valuation signals for NAI:DTK:

  • E10: KES28.61
  • GF Value™: KES89.25 vs. price of KES190.00 (112.9% above fair value)
  • GF Score™: 79/100 with 5 warning signs

No single metric tells the full story. See the NAI:DTK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Diamond Trust Bank Business Description

Address Mombasa Road, DTB Centre, P.O. Box 61711, Nairobi, KEN, 00200
Diamond Trust Bank Ltd is a regional bank that provides banking, insurance agency, and other related services to the general public. It offers various banking services, including corporate, retail, and commercial. The company focuses on the small and medium-sized enterprises sector. It has four business segments: Diamond Trust Bank Tanzania Limited, Diamond Trust Bank Uganda Limited, Diamond Trust Bank Burundi S.A, and Kenya. The Trust's majority of revenue is generated from its home country, Kenya.
79GF Score

Get the complete analysis for NAI:DTK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES190.00
Price
KES89.25
GF Value